摘要
基于山东省1978-2007年的统计数据,对整体金融发展以及农村金融发展水平与城乡收入差距的关系进行了实证研究。结果表明,从长期看,山东省的整体金融发展水平和农村金融发展水平的变动是城乡收入差距变化的原因;从短期看,山东省城乡收入差距与金融发展规模、金融发展效率和农村金融机构信贷比率之间存在双向格兰杰因果关系。为此,应通过降低金融服务门槛,发展小额信贷,促进正规金融和非正规金融的竞争互补,以及防止农村金融资源的进一步流失等措施,引导金融业均衡发展,发挥其在缩小城乡收入差距中的作用。
Employing data for Shandong province between 1978 and 2007, we have studied empirically the relationship among overall financial development, rural financial development and urban-rural income disparity. We find that in the long run overall financial development and rural financial development are the causes of the constantly enlarging urban-rural income disparity in Shandong. In the short run, there exists a two-way Granger causality between urban-rural income disparity and financial development scale, financial development efficiency and the credit ratio of rural financial organizations. Consequently, to guide the balanced development of the financial sector and to minimize urban-rural income disparity, measures should be taken to lower the thresholds for financial services, to expand micro-credit, to promote competition and eomplementarities between formal finance and informal finance as well as to prevent further loss of rural financial resources.
出处
《山东大学学报（哲学社会科学版）》
CSSCI
北大核心
2009年第3期10-17,共8页
Journal of Shandong University(Philosophy and Social Sciences)
基金
山东省社科规划项目"新农村金融生态优化的系统动力机制研究:以山东为例(07CJGZ08)"
山东省科技攻关项目"中国农村金融生态优化机制研究:以山东为例(2008GG30007029)"的资助
关键词
金融发展
农村金融
城乡收入差距
山东
financial development
rural finance
urban-rural income disparity
Shandong Province
